Both can either mean "to borrow" or "to lend". I know you can combine both of them "借贷" to mean "debit and credit". But what are the differences in usage and semantics between those two words. They both are so similar but I'm sure there are some differences between the two. For example, I know you say 借钱 but usually don't say 贷钱 (correct me if I'm wrong).
Any clarifications and explanations would be awesome! Thanks